IDaaS — Integration Guide

Audience: Engineers integrating a client application with the IDaaS platform.
Base URL: https://<your-idaas-host>/api (all paths below omit this prefix)
Interactive docs: GET /swagger-ui.html · Machine-readable spec: GET /v3/api-docs

What IDaaS Is
Core Concepts
How the Platform Works End to End
Quick-Start Checklist
Step 1 — Register Your Application ← includes appHandle
Step 2 — Authenticate (Get a Token)
Step 3 — Create Subjects and Tags
Step 4 — Initiate a Payment
Step 5 — Receive and Handle Webhooks
Step 6 — Accept or Reject a Transaction
Step 7 — Monitor Webhooks and Delivery
Step 8 — Wallet and Ledger
Step 9 — Settlement
Payload Encryption (JWE)
Webhook Signature Verification
Idempotency
Rate Limiting
Cross-App Tag Claims and Consent
Namespaced Tags — Onboarding Existing Tag Systems ← new
Tag Federation
Error Handling
API Reference Summary
Integration Flows — Sequence Diagrams

1. What IDaaS Is

IDaaS (Identity as a Service) is a multi-tenant platform that provides:

Capability	What it means for your app
Identity tags	Every user gets a portable handle (e.g. `alice`) scoped to your app’s namespace, forming a globally unique qualified address (`alice@walletapp`) that works across all apps on the platform
Cross-app payments	Your app can send money to a tag on any other app, and receive money from any tag, without needing a direct integration with the other app
Consent-based claims	If two apps both know the same user, either can request a verified link (claim) between the user’s tags via owner-approved consent
Application wallets	IDaaS maintains a single escrow wallet per application that tracks its net monetary position from all completed transactions
Double-entry ledger	Every accepted transaction creates immutable DEBIT + CREDIT ledger entries with opening/closing balances
Settlement	A scheduled end-of-day job (23:59 UTC) produces per-application net position reports for financial reconciliation
JWE encryption	Every request body and webhook payload can be encrypted end-to-end using EC P-256 keypairs

Your application communicates with IDaaS exclusively via HTTPS REST APIs. All side-effects (webhook dispatch, audit logging) happen asynchronously via Kafka so API calls remain fast.

2. Core Concepts

Application

The top-level entity in IDaaS — it represents your service. Each application gets:

A clientId and clientSecret for authentication
A webhookSecret for verifying inbound webhook signatures
An EC P-256 keypair for payload encryption
One escrow wallet for net monetary position tracking

Subject

A user identity within your application. A subject maps your internal user ID (externalId) to the IDaaS system. One subject can own many tags.

Tag

A portable identity handle (e.g. alice, shop-main) scoped to the creating application. Each application has a short, unique appHandle slug (e.g. walletapp). The tag’s globally unique identifier is the qualified address: localTag@appHandle (e.g. alice@walletapp). This means two different applications can each have a user named alice without any conflict — they become alice@walletapp and alice@shopapp, clearly distinct identities. Tag rules:

localTag part: 3–64 characters, lowercase alphanumeric + hyphens, not starting or ending with a hyphen
appHandle part: 3–30 characters, lowercase alphanumeric + hyphens, not starting or ending with a hyphen; set at registration time and immutable
Tags can be resolved publicly using either the bare local name (alice) or the qualified address (alice@walletapp)
A bare name lookup that matches tags in more than one application returns 409 Conflict — use the qualified address in that case
Can receive payments from any other tag on any application

Transaction

A cross-application payment from one tag to another. Transactions go through a two-step lifecycle — the sending application initiates, the receiving application explicitly accepts or rejects.

Wallet

IDaaS maintains one ApplicationWallet per application. It tracks the cumulative credits and debits from all completed transactions. This is an escrow/settlement wallet, not an end-user wallet — per-user balances remain your application’s responsibility.

Webhook

An outbound HTTP POST from IDaaS to your application notifying you of transaction events. There are two distinct notifications per transaction:

RECEIVER webhook — sent to the receiving app’s transactionWebhookUrl when a transaction is addressed to one of its tags
SENDER callback — sent to the callbackUrl provided by the sending app when the transaction outcome is determined

3. How the Platform Works End to End

  App A (sender)              IDaaS                    App B (receiver)
  ──────────────              ─────                    ────────────────
  
  [Registration]
  POST /v1/applications  ───►  Create app, generate
                               keypair, wallet          
                        ◄───  clientId, clientSecret,
                               webhookSecret, keys
  
  [Auth]
  POST /v1/auth/token    ───►  Validate credentials
                        ◄───  JWT Bearer token
  
  [Subject + Tag setup]
  POST /v1/subjects      ───►  Create user record
  POST /v1/tags          ───►  Create tag "alice"
  
  [Payment initiation]
  POST /v1/transactions  ───►  Validate tags
  (senderTag=alice@walletapp,    Create txn (AWAITING_ACCEPTANCE)
   receiverTag=bob@shopapp,      Persist RECEIVER webhook record
   amount=500)                  Publish to Kafka
                        ◄───  TXN-xxx reference
                                      │
                                      │ Kafka consumer (async)
                                      ▼
                               POST App B's webhookUrl ───► App B
                               {event: TRANSACTION_INITIATED,  ◄─── 200 OK
                                transaction: {...}}
  
  [Acceptance]
                                                       POST /v1/transactions/TXN-xxx/accept
                                               ◄────  (App B authenticates with its own token)
                               Debit App A wallet
                               Credit App B wallet
                               Write 2 LedgerEntry rows
                               txn.status = COMPLETED
                               Persist SENDER webhook record
                               Publish sender callback to Kafka
                        ◄───  COMPLETED transaction
  
                                      │ Kafka consumer (async)
                                      ▼
                               POST App A's callbackUrl ───► App A
                               {event: TRANSACTION_COMPLETED,  ◄─── 200 OK
                                transaction: {...}}
  
  [Daily at 23:59 UTC]
                               Aggregate LedgerEntry rows
                               by wallet for today
                               Write SettlementRecord +
                               per-app SettlementEntry rows
                               Publish idaas.settlements event

4. Quick-Start Checklist

Register your application (POST /v1/applications) — save clientSecret, webhookSecret, and key material; they are shown only once
Authenticate (POST /v1/auth/token) — obtain a Bearer JWT
Provision wallet (POST /v1/wallet) — idempotent, safe to call on every startup
Create subjects for your users (POST /v1/subjects)
Create tags for your users (POST /v1/tags)
Expose a webhook endpoint at your transactionWebhookUrl to receive TRANSACTION_INITIATED events
Verify webhook signatures using X-IDaaS-Signature on every inbound webhook
Respond with 2xx within 10 seconds on webhook delivery; IDaaS retries 3 times
Set up a callback endpoint for TRANSACTION_COMPLETED / TRANSACTION_REJECTED / TRANSACTION_EXPIRED notifications

5. Step 1 - Register Your Application

Registration is public (no auth required). Each application registration creates an independent tenant.

Request

POST /v1/applications
Content-Type: application/json

{
  "name": "WalletApp",
  "appHandle": "walletapp",
  "transactionWebhookUrl": "https://wallet-app.example.com/idaas/webhook",
  "redirectUris": "https://wallet-app.example.com/auth/callback",
  "metadata": "{\"env\": \"production\"}"
}

Field	Required	Description
`name`	✅	Human-readable application name (2–150 chars)
`appHandle`	✅	Immutable namespace slug for your tags (3–30 chars, lowercase alphanumeric + hyphens, no leading/trailing hyphen)
`transactionWebhookUrl`	Recommended	Your HTTPS endpoint that IDaaS POSTs `TRANSACTION_INITIATED` events to
`redirectUris`	Optional	Space-separated OAuth2 redirect URIs
`metadata`	Optional	Free-form JSON string for your own use

Response

{
  "success": true,
  "message": "Application registered successfully. Store the clientSecret/webhookSecret/appPrivateJwk – they are shown only once.",
  "data": {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "name": "WalletApp",
    "appHandle": "walletapp",
    "clientId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "clientSecret": "raw-secret-shown-only-once",
    "active": true,
    "transactionWebhookUrl": "https://wallet-app.example.com/idaas/webhook",
    "webhookSecret": "raw-webhook-secret-shown-only-once",
    "appPublicKeyJwk": { "kty": "EC", "crv": "P-256", "x": "...", "y": "..." },
    "appPrivateJwk": { "kty": "EC", "crv": "P-256", "x": "...", "y": "...", "d": "..." },
    "encryptionEnabled": true,
    "keyVersion": 1,
    "createdAt": "2025-03-04T10:00:00Z"
  }
}

⚠️ Store immediately and securely:

clientSecret — used to obtain Bearer tokens; never shown again

webhookSecret — used to verify X-IDaaS-Signature on every inbound webhook; never shown again

appPrivateJwk — your application’s private EC key (contains d); required to decrypt JWE-encrypted webhook payloads; never shown again

appHandle — returned in the response and in GET /v1/applications/{id}; it is the namespace for all your tags (e.g. alice@walletapp). Immutable.

Lose any of these and you must rotate (use key/webhook secret rotation endpoints, or deactivate + re-register).

6. Step 2 - Authenticate (Get a Token)

All protected endpoints require a Bearer JWT. Tokens expire after 1 hour (configurable via IDAAS_APP_TOKEN_TTL).

Request (form-encoded)

POST /v1/auth/token
Content-Type: application/x-www-form-urlencoded

client_id=a1b2c3d4-e5f6-7890-abcd-ef1234567890&client_secret=raw-secret-shown-only-once

Request (JSON body)

POST /v1/auth/token
Content-Type: application/json

{
  "client_id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "client_secret": "raw-secret-shown-only-once"
}

Response

{
  "success": true,
  "message": "Token issued",
  "data": {
    "token": "eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiIzZmE4NW...",
    "expiresAt": 1741082400,
    "subjectId": "3fa85f64-5717-4562-b3fc-2c963f66afa6"
  }
}

Using the token

Add the JWT to every subsequent request:

Authorization: Bearer eyJhbGciOiJIUzI1NiJ9...

Rate limit: 10 requests / minute per IP. Implement token caching — refresh proactively before expiry rather than waiting for a 401.

Token refresh pattern

┌─────────────────────────────────────┐
│  App startup                        │
│  1. POST /v1/auth/token             │
│  2. Cache token + expiresAt         │
│  3. Schedule refresh at             │
│     (expiresAt - 5 minutes)         │
│                                     │
│  On every API call:                 │
│  if now > cached_expiry - 60s:      │
│    refresh token before call        │
└─────────────────────────────────────┘

7. Step 3 - Create Subjects and Tags

7.1 Create a Subject

A subject represents one of your users inside IDaaS. Create a subject for every user who needs a tag.

POST /v1/subjects
Authorization: Bearer <token>
Content-Type: application/json

{
  "externalId": "user-12345",
  "displayName": "Alice Adeyemi",
  "email": "alice@example.com",
  "metadata": "{\"tier\": \"premium\"}"
}

Field	Required	Description
`externalId`	✅	Your internal user ID (max 255 chars) — must be unique within your app
`displayName`	Optional	Shown on consent pages (max 150 chars)
`email`	Optional	Used for consent notification delivery (max 200 chars)
`metadata`	Optional	Free-form JSON string

{
  "success": true,
  "data": {
    "id": "c1d2e3f4-0000-1111-2222-aabbccddeeff",
    "externalId": "user-12345",
    "displayName": "Alice Adeyemi",
    "email": "alice@example.com",
    "createdAt": "2025-03-04T10:01:00Z"
  }
}

Save the returned id (IDaaS subject UUID) — you need it to create a tag.

7.2 Create a Tag

POST /v1/tags
Authorization: Bearer <token>
Content-Type: application/json

{
  "tag": "alice",
  "subjectId": "c1d2e3f4-0000-1111-2222-aabbccddeeff"
}

Field	Required	Validation
`tag`	✅	3–64 chars; lowercase alphanumeric + hyphens; must not start or end with a hyphen
`subjectId`	✅	IDaaS subject UUID — must belong to your application

IDaaS automatically derives the qualified address by appending your application’s appHandle: alice → alice@walletapp.

{
  "success": true,
  "data": {
    "id": "eeee1111-2222-3333-4444-555566667777",
    "tagString": "alice",
    "qualifiedAddress": "alice@walletapp",
    "status": "ACTIVE",
    "canonicalOwner": {
      "id": "c1d2e3f4-0000-1111-2222-aabbccddeeff",
      "displayName": "Alice Adeyemi"
    },
    "createdByAppId": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "createdByAppName": "WalletApp",
    "createdAt": "2025-03-04T10:02:00Z"
  }
}

The qualifiedAddress (alice@walletapp) is the canonical cross-platform identifier for this tag. Share it with other applications so they can address payments to it unambiguously.

7.3 Resolve Any Tag (Public, Cached)

Any application can look up any tag — no auth required. Results are cached for 30 seconds. You can resolve by bare local name or by qualified address:

GET /v1/tags/alice@walletapp

GET /v1/tags/alice

If alice exists on more than one application, the bare-string lookup returns 409 Conflict with the list of qualified addresses. Use the qualified address to avoid ambiguity.

{
  "success": true,
  "data": {
    "tagString": "alice",
    "qualifiedAddress": "alice@walletapp",
    "status": "ACTIVE",
    "canonicalOwner": { "displayName": "Alice Adeyemi" },
    "createdByAppName": "WalletApp"
  }
}

Use this before initiating a payment to confirm the destination tag exists and is ACTIVE.

8. Step 4 - Initiate a Payment

The sending application calls this endpoint to begin a cross-application payment.

Tag addressing: Both senderTag and receiverTag accept either a bare local name (alice) or a qualified address (alice@walletapp).
Use the qualified address whenever possible — bare names that exist on more than one application return a 409 Conflict asking you to specify the qualified address.

POST /v1/transactions
Authorization: Bearer <App A token>
Content-Type: application/json
Idempotency-Key: 550e8400-e29b-41d4-a716-446655440000

{
  "senderTag": "alice@walletapp",
  "receiverTag": "bob@shopapp",
  "amount": 1500.00,
  "currency": "NGN",
  "narration": "Payment for order #99",
  "callbackUrl": "https://wallet-app.example.com/idaas/callback"
}

Field	Required	Description
`senderTag`	✅	Bare name or qualified address. Must belong to the calling application (403 otherwise). Prefer qualified address (`alice@walletapp`).
`receiverTag`	✅	Bare name or qualified address on any application. Prefer qualified address (`bob@shopapp`).
`amount`	✅	Positive, up to 15 integer + 4 decimal digits (e.g. `1500.0000`)
`currency`	Optional	3-letter ISO 4217 code; defaults to `NGN`
`narration`	Optional	Payment note shown to both parties (max 500 chars)
`callbackUrl`	Optional	Your HTTPS URL for the outcome callback — overrides your registered `transactionWebhookUrl` for this specific transaction’s sender callback. If omitted, IDaaS falls back to the sending application’s registered `transactionWebhookUrl`.
`Idempotency-Key` header	Recommended	Unique string (UUID v4 recommended, max 64 chars); duplicate calls within 24 hours return the original response

Response

{
  "success": true,
  "message": "Transaction initiated – awaiting acceptance by receiving application",
  "data": {
    "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "reference": "TXN-9812345678-A1B2C3D4",
    "senderTag": "alice@walletapp",
    "senderAppName": "WalletApp",
    "senderAppId": "3fa85f64-...",
    "receiverTag": "bob@shopapp",
    "receiverAppName": "ShopApp",
    "receiverAppId": "7a9b1c2d-...",
    "amount": 1500.0000,
    "currency": "NGN",
    "status": "AWAITING_ACCEPTANCE",
    "narration": "Payment for order #99",
    "expiresAt": "2025-03-05T10:03:00Z",
    "createdAt": "2025-03-04T10:03:00Z"
  }
}

Transaction responses always return qualified addresses in senderTag and receiverTag (e.g. alice@walletapp, bob@shopapp).

What happens next

IDaaS persists the transaction in AWAITING_ACCEPTANCE state
IDaaS persists a TransactionWebhook record (direction=RECEIVER, status=PENDING)
IDaaS publishes a WebhookDispatchEvent to the idaas.webhooks Kafka topic
The WebhookDispatchConsumer POSTs a TRANSACTION_INITIATED notification to the receiver app’s transactionWebhookUrl (asynchronously)
The transaction auto-expires after 24 hours if not accepted

9. Step 5 - Receive and Handle Webhooks

IDaaS POSTs notifications to your transactionWebhookUrl. You must:

Expose a publicly reachable HTTPS endpoint
Verify the X-IDaaS-Signature header (see §15)
Return 2xx within 10 seconds; IDaaS retries up to 3 times (after 1 s and 2 s back-off)

9.1 RECEIVER Webhook — `TRANSACTION_INITIATED`

Sent to the receiving application when a new payment is addressed to one of its tags.

POST https://shop-app.example.com/idaas/webhook
Content-Type: application/json
X-IDaaS-Signature: v0=3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2c3d4
X-IDaaS-Timestamp: 1741082580
Content-Encryption: JWE   ← only present if encryptionEnabled=true

{
  "event": "TRANSACTION_INITIATED",
  "transaction": {
    "reference": "TXN-9812345678-A1B2C3D4",
    "senderTag": "alice@walletapp",
    "senderAppId": "3fa85f64-...",
    "senderAppName": "WalletApp",
    "receiverTag": "bob@shopapp",
    "receiverAppId": "7a9b1c2d-...",
    "receiverAppName": "ShopApp",
    "amount": 1500.0000,
    "currency": "NGN",
    "narration": "Payment for order #99",
    "expiresAt": "2025-03-05T10:03:00Z",
    "createdAt": "2025-03-04T10:03:00Z"
  }
}

What to do when you receive this:

Verify the signature (see §15)
Parse the reference — this is the key you’ll use to accept or reject
Apply your own business logic (check funds, validate the order, etc.)
Call POST /v1/transactions/{reference}/accept or .../reject within 24 hours
Return 200 OK immediately — do your business logic asynchronously if needed

9.2 SENDER Callback — Outcome Notification

Sent to the sending application’s transaction-specific callbackUrl when provided; otherwise IDaaS falls back to the sending application’s registered transactionWebhookUrl after the transaction outcome is determined.

POST https://wallet-app.example.com/idaas/callback
Content-Type: application/json
X-IDaaS-Signature: v0=abc123...
X-IDaaS-Timestamp: 1741082700

{
  "event": "TRANSACTION_COMPLETED",
  "transaction": {
    "reference": "TXN-9812345678-A1B2C3D4",
    "senderTag": "alice@walletapp",
    "receiverTag": "bob@shopapp",
    "amount": 1500.0000,
    "currency": "NGN",
    "narration": "Payment for order #99",
    "expiresAt": "2025-03-05T10:03:00Z",
    "createdAt": "2025-03-04T10:03:00Z"
  }
}

`event` value	Meaning
`TRANSACTION_COMPLETED`	Receiver accepted; wallets have been debited/credited
`TRANSACTION_REJECTED`	Receiver rejected; no money moved
`TRANSACTION_EXPIRED`	24-hour window elapsed without acceptance; no money moved
`TRANSACTION_UPDATED`	Intermediate state change (rare)

9.3 Webhook Endpoint Implementation Checklist

✅ Respond with 2xx within 10 seconds
✅ Verify X-IDaaS-Signature before processing (see §15)
✅ Reject if |now - X-IDaaS-Timestamp| > 5 minutes (replay protection)
✅ Make your handler idempotent — webhooks may be delivered more than once
✅ Use the `reference` field as your idempotency key
✅ Dequeue and process asynchronously for slow operations
✅ If encryptionEnabled=true, decrypt the JWE body first (see §14)

10. Step 6 - Accept or Reject a Transaction

Only the receiving application can accept or reject. IDaaS enforces this — calling accept/reject with the wrong token returns 403.

Accept

POST /v1/transactions/TXN-9812345678-A1B2C3D4/accept
Authorization: Bearer <App B (receiver) token>

No request body required. On success:

Sender’s wallet is debited by amount
Receiver’s wallet is credited by amount
Two immutable LedgerEntry rows are written
Transaction status moves to COMPLETED
Sender’s callbackUrl receives TRANSACTION_COMPLETED (or the sender app’s transactionWebhookUrl if no transaction-specific callback was supplied)

{
  "success": true,
  "message": "Transaction accepted",
  "data": {
    "reference": "TXN-9812345678-A1B2C3D4",
    "status": "COMPLETED",
    "acceptedAt": "2025-03-04T10:10:00Z",
    ...
  }
}

Reject

POST /v1/transactions/TXN-9812345678-A1B2C3D4/reject
Authorization: Bearer <App B (receiver) token>
Content-Type: application/json

{
  "reason": "Insufficient items in stock"
}

The reason field is optional (max 500 chars). On success:

No ledger movement
Transaction status moves to REJECTED
Sender’s callbackUrl receives TRANSACTION_REJECTED (or the sender app’s transactionWebhookUrl if no transaction-specific callback was supplied)

Error responses for accept/reject

Status	Meaning
`403`	Your application is not the receiver of this transaction
`404`	Transaction reference not found
`409`	Transaction is not in `AWAITING_ACCEPTANCE` state (already completed, rejected, or expired)

11. Step 7 - Monitor Webhooks and Delivery

Check delivery status for a transaction

GET /v1/transactions/TXN-9812345678-A1B2C3D4/webhooks
Authorization: Bearer <token>

Returns up to two records — one RECEIVER and one SENDER:

{
  "data": [
    {
      "id": "wh-uuid-receiver",
      "direction": "RECEIVER",
      "eventType": "TRANSACTION_INITIATED",
      "targetUrl": "https://shop-app.example.com/idaas/webhook",
      "status": "DELIVERED",
      "attempts": 1,
      "deliveredAt": "2025-03-04T10:03:05Z"
    },
    {
      "id": "wh-uuid-sender",
      "direction": "SENDER",
      "eventType": "TRANSACTION_COMPLETED",
      "targetUrl": "https://wallet-app.example.com/idaas/callback",
      "status": "DELIVERED",
      "attempts": 1,
      "deliveredAt": "2025-03-04T10:10:02Z"
    }
  ]
}

Webhook delivery statuses

Status	Meaning
`PENDING`	Queued, not yet attempted or in progress
`DELIVERED`	HTTP 2xx received from your endpoint
`FAILED`	All 3 attempts exhausted; event dead-lettered to `idaas.webhooks.dlt`

Find all failed webhooks for your app

GET /v1/webhooks/failed?page=0&size=20
Authorization: Bearer <token>

Use this for operational monitoring — set up an alert if this list is non-empty.

12. Step 8 - Wallet and Ledger

Provision wallet (call on startup)

POST /v1/wallet
Authorization: Bearer <token>

Idempotent — safe to call on every application start.

Get current balance

GET /v1/wallet
Authorization: Bearer <token>

{
  "data": {
    "id": "wallet-uuid",
    "applicationName": "WalletApp",
    "currency": "NGN",
    "balance": 45000.0000,
    "totalDebited": 5000.0000,
    "totalCredited": 50000.0000,
    "updatedAt": "2025-03-04T10:10:00Z"
  }
}

balance = totalCredited − totalDebited. A positive balance means you have net received more than you sent. A negative balance means you have net sent more than you received.

Get ledger statement (paginated)

GET /v1/wallet/statement?page=0&size=20
Authorization: Bearer <token>

{
  "data": {
    "content": [
      {
        "id": "entry-uuid",
        "transactionReference": "TXN-9812345678-A1B2C3D4",
        "entryType": "CREDIT",
        "amount": 1500.0000,
        "currency": "NGN",
        "openingBalance": 43500.0000,
        "closingBalance": 45000.0000,
        "description": "Credit from alice (WalletApp) to bob (ShopApp) — NGN 1500.0000",
        "createdAt": "2025-03-04T10:10:00Z"
      }
    ],
    "totalElements": 47,
    "totalPages": 3
  }
}

`entryType`	Meaning
`CREDIT`	Money came in (you were the receiver)
`DEBIT`	Money went out (you were the sender)

13. Step 9 - Settlement

IDaaS automatically runs an end-of-day settlement job at 23:59 UTC every day. It aggregates all completed transactions for the day and produces per-application net positions.

Get today’s settlement (after 23:59 UTC)

GET /v1/settlement/date/2025-03-04
Authorization: Bearer <token>

{
  "data": {
    "id": "settlement-uuid",
    "settlementDate": "2025-03-04",
    "currency": "NGN",
    "totalCredited": 250000.0000,
    "totalDebited": 250000.0000,
    "transactionCount": 183,
    "applicationCount": 7,
    "status": "COMPLETED",
    "entries": [
      {
        "applicationId": "3fa85f64-...",
        "applicationName": "WalletApp",
        "totalCredited": 85000.0000,
        "totalDebited": 12000.0000,
        "netAmount": 73000.0000,
        "openingBalance": 45000.0000,
        "closingBalance": 118000.0000,
        "transactionCount": 52
      }
    ]
  }
}

Manual trigger (operational use)

POST /v1/settlement/run?date=2025-03-04
Authorization: Bearer <token>

Idempotent — if the date is already settled, returns the existing record.

14. Payload Encryption (JWE)

When encryptionEnabled=true for your application, all request bodies must be JWE-encrypted and all webhook payloads you receive will be JWE-encrypted. This provides end-to-end payload confidentiality on top of TLS.

Algorithm

Parameter	Value
Key agreement	`ECDH-ES+A256KW`
Content encryption	`A256GCM`
Key type	EC P-256 (secp256r1)

14.1 Encrypting Requests Sent TO IDaaS

Fetch the IDaaS public key (cache it)
Serialize your JSON request body to a string
Encrypt using JWE (alg=ECDH-ES+A256KW, enc=A256GCM) with the IDaaS public key
Set headers:
      Content-Encryption: JWE
      Content-Type: application/json    ← describes the decrypted type
Send the JWE compact string as the request body

Fetch the IDaaS public key (no auth required):

GET /v1/keys/idaas

{
  "data": {
    "algorithm": "ECDH-ES+A256KW",
    "encAlgorithm": "A256GCM",
    "curve": "P-256",
    "jwk": { "kty": "EC", "crv": "P-256", "x": "...", "y": "..." },
    "publicKeyBase64": "<Base64 X.509 DER>",
    "usage": "Encrypt request payloads sent TO IDaaS. Set 'Content-Encryption: JWE' header."
  }
}

Example (Java with Nimbus JOSE+JWT):

// 1. Load IDaaS public key from GET /v1/keys/idaas
ECKey idaasPublicKey = ECKey.parse(jwkJson);

// 2. Build JWE
JWEHeader header = new JWEHeader.Builder(JWEAlgorithm.ECDH_ES_A256KW, EncryptionMethod.A256GCM)
    .contentType("application/json")
    .build();

JWEObject jwe = new JWEObject(header, new Payload(plainJsonBody));
jwe.encrypt(new ECDHEncrypter(idaasPublicKey));

String jweCompact = jwe.serialize();

// 3. Send
HttpRequest request = HttpRequest.newBuilder()
    .POST(HttpRequest.BodyPublishers.ofString(jweCompact))
    .header("Content-Type", "application/json")
    .header("Content-Encryption", "JWE")
    .header("Authorization", "Bearer " + token)
    .build();

Example (Node.js with jose library):

import { CompactEncrypt, importSPKI } from 'jose';

// 1. Load IDaaS public key
const publicKey = await importSPKI(idaasPemKey, 'ECDH-ES+A256KW');

// 2. Encrypt
const jweCompact = await new CompactEncrypt(
  new TextEncoder().encode(JSON.stringify(requestBody))
)
  .setProtectedHeader({ alg: 'ECDH-ES+A256KW', enc: 'A256GCM', cty: 'application/json' })
  .encrypt(publicKey);

// 3. Send
await fetch('/v1/transactions', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'Content-Encryption': 'JWE',
    'Authorization': `Bearer ${token}`,
  },
  body: jweCompact,
});

Example (Python with joserfc):

from joserfc import jwe
from joserfc.jwk import ECKey
import json

# 1. Load IDaaS public key
idaas_key = ECKey.import_key(jwk_dict)

# 2. Encrypt
protected = {"alg": "ECDH-ES+A256KW", "enc": "A256GCM", "cty": "application/json"}
token = jwe.encrypt_compact(protected, json.dumps(body).encode(), idaas_key)

# 3. Send
requests.post(
    '/v1/transactions',
    data=token,
    headers={
        'Content-Type': 'application/json',
        'Content-Encryption': 'JWE',
        'Authorization': f'Bearer {access_token}',
    }
)

14.2 Decrypting Webhooks Received FROM IDaaS

When Content-Encryption: JWE is present on an inbound webhook, the body is a JWE compact string encrypted with your application’s EC public key. Decrypt it with your private key (appPrivateJwk) received once at registration/rotation.

// 1. Detect encrypted webhook
String contentEncryption = request.getHeader("Content-Encryption");
if ("JWE".equals(contentEncryption)) {
    // 2. Load your private key (stored securely at registration time)
    ECKey appPrivateKey = ECKey.parse(storedPrivateKeyJson).toECKey();

    // 3. Decrypt
    JWEObject jwe = JWEObject.parse(request.getBody());
    jwe.decrypt(new ECDHDecrypter(appPrivateKey));
    String plainJson = jwe.getPayload().toString();

    // 4. Process plain JSON payload
    WebhookPayload payload = objectMapper.readValue(plainJson, WebhookPayload.class);
}

14.3 Key Rotation

Rotate your keypair periodically or after a key compromise:

POST /v1/applications/keys/rotate
Authorization: Bearer <token>

Returns a new appPublicKeyJwk and appPrivateJwk — store the private JWK immediately, it is shown only once. After rotation:

IDaaS encrypts all subsequent webhooks with the new public key
Requests encrypted with the old public key will be rejected
Allow a brief overlap window for in-flight messages before destroying the old private key

14.4 Webhook Secret Rotation

If your application loses its webhook secret (or suspects compromise), rotate it without re-registering:

POST /v1/applications/webhook-secret/rotate
Authorization: Bearer <token>

Returns a new webhookSecret — store it immediately, it is shown only once. After rotation:

IDaaS signs all subsequent webhooks with the new secret
Verification with the old secret fails immediately

15. Webhook Signature Verification

Every outbound webhook POST from IDaaS includes two headers:

X-IDaaS-Signature: v0=3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8...
X-IDaaS-Timestamp: 1741082580

Signature algorithm

signed_message = "v0:" + timestamp + ":" + raw_request_body
signature      = HMAC-SHA256(webhookSecret, signed_message)
header_value   = "v0=" + hex(signature)

Where webhookSecret is the raw (unhashed) secret returned at registration. It can also be rotated via POST /v1/applications/webhook-secret/rotate if lost or compromised.

Verification (pseudo-code)

function verifyWebhook(request, webhookSecret):
    timestamp = request.header("X-IDaaS-Timestamp")
    signature = request.header("X-IDaaS-Signature")
    body      = request.rawBody()          # must be raw bytes, not parsed JSON

    # Step 1 – Replay protection
    if abs(now() - int(timestamp)) > 300:  # 5 minutes
        reject(401, "Timestamp too old")

    # Step 2 – Recompute
    message  = "v0:" + timestamp + ":" + body
    expected = "v0=" + hmac_sha256_hex(webhookSecret, message)

    # Step 3 – Constant-time compare (prevents timing attacks)
    if not constant_time_equals(expected, signature):
        reject(401, "Invalid signature")

    # Step 4 – Proceed with processing
    process(body)

Implementation examples

Java:

public boolean verify(String webhookSecret, String timestamp, String signature, String body) {
    long ts = Long.parseLong(timestamp);
    if (Math.abs(Instant.now().getEpochSecond() - ts) > 300) return false;

    String message = "v0:" + ts + ":" + body;
    Mac mac = Mac.getInstance("HmacSHA256");
    mac.init(new SecretKeySpec(webhookSecret.getBytes(UTF_8), "HmacSHA256"));
    String expected = "v0=" + HexFormat.of().formatHex(mac.doFinal(message.getBytes(UTF_8)));

    // Constant-time compare
    return MessageDigest.isEqual(expected.getBytes(UTF_8), signature.getBytes(UTF_8));
}

Node.js:

import crypto from 'crypto';

function verifyWebhook(webhookSecret, timestamp, signature, rawBody) {
    if (Math.abs(Date.now() / 1000 - Number(timestamp)) > 300) return false;

    const message = `v0:${timestamp}:${rawBody}`;
    const expected = 'v0=' + crypto
        .createHmac('sha256', webhookSecret)
        .update(message)
        .digest('hex');

    // Constant-time compare
    return crypto.timingSafeEqual(Buffer.from(expected), Buffer.from(signature));
}

Python:

import hmac, hashlib, time

def verify_webhook(webhook_secret: str, timestamp: str, signature: str, raw_body: str) -> bool:
    if abs(time.time() - int(timestamp)) > 300:
        return False

    message = f"v0:{timestamp}:{raw_body}"
    expected = "v0=" + hmac.new(
        webhook_secret.encode(), message.encode(), hashlib.sha256
    ).hexdigest()

    return hmac.compare_digest(expected, signature)

16. Idempotency

POST /v1/transactions supports the Idempotency-Key request header. Supplying the same key within 24 hours returns the original response without creating a duplicate transaction.

POST /v1/transactions
Authorization: Bearer <token>
Idempotency-Key: 550e8400-e29b-41d4-a716-446655440000
Content-Type: application/json

{ ... }

Best practices:

Use UUID v4 as idempotency keys
Generate the key before the first attempt and store it alongside your order/payment record
Re-use the same key on all retries of the same logical payment
Do not re-use keys across different payments

17. Rate Limiting

Endpoint	Limit	Key
`POST /v1/auth/token`	10 requests / min	Per IP
`POST /v1/transactions`	60 requests / min	Per application
All other endpoints	300 requests / min	Per IP

When the limit is exceeded, IDaaS returns:

HTTP/1.1 429 Too Many Requests
Content-Type: application/json
Retry-After: 42
X-RateLimit-Remaining: 0

{
  "success": false,
  "message": "Rate limit exceeded. Retry after 42 seconds.",
  "data": null
}

Retry-After — number of seconds until the bucket refills. Read this value and wait at least that long before retrying.
X-RateLimit-Remaining — tokens remaining in the current window; 0 when you are throttled.

Handling 429 in your integration:

On 429:
  1. Read the Retry-After response header (seconds to wait)
  2. If Retry-After is absent, use exponential back-off:
     wait = min(2^attempt * 1000ms, 60000ms) + random(0, 1000ms)
  3. Retry with the same Idempotency-Key (for POST /v1/transactions)

If your application needs to associate one of your users with a tag they own on another application (e.g. bob on ShopApp), you can request a claim through the consent flow.

18.1 Request a Claim

POST /v1/tags/bob/claims
Authorization: Bearer <App A token>
Content-Type: application/json

{
  "subjectId": "your-app-subject-uuid"
}

IDaaS sends a time-limited consent notification to the tag owner. The consent token URL is:

GET /v1/consent/{consentToken}

This is the URL you can present to the tag owner (e.g. via email or in-app notification) so they can approve or deny the claim.

App A requests claim on tag "bob"
         │
         ▼
IDaaS generates consentToken
IDaaS notifies "bob" (via email if configured)
         │
         ▼
Bob visits:  GET /v1/consent/{consentToken}
         │   (public endpoint – no auth)
         │
         ├── POST /v1/consent/{consentToken}/approve
         │       └── Returns attestation JWT for App A
         │
         └── POST /v1/consent/{consentToken}/deny
                 └── Claim marked DENIED

18.3 After Approval

On approval, IDaaS returns an attestation JWT:

{
  "token": "eyJ...",
  "expiresAt": 1741254000,
  "tag": "bob",
  "subjectId": "...",
  "consentId": "..."
}

Store this token — it proves your application has an approved link to that tag. You can verify it with the IDaaS public key.

19. Namespaced Tags — Onboarding Existing Tag Systems

The problem

Many applications that integrate IDaaS already run their own tag / username system. When they onboard their users onto IDaaS, tag collisions are inevitable: WalletApp may already have a user alice, and so does ShopApp — completely different people. A single global UNIQUE(tag_string) constraint would block one application from onboarding. IDaaS solves this with qualified addressing.

How it works

Every application registers with a short, unique appHandle slug (e.g. walletapp). Every tag automatically derives a qualified address localTag@appHandle:

App	Local tag	Qualified address
WalletApp (`appHandle = walletapp`)	`alice`	`alice@walletapp`
ShopApp (`appHandle = shopapp`)	`alice`	`alice@shopapp`

These are different identities sharing a local name — IDaaS tracks them separately with no constraint conflict.

What stays the same for the host app

Your application continues to use its own tag system internally. IDaaS only requires that you onboard the tags you want to be discoverable cross-platform:

Register on IDaaS with your appHandle
Create a Subject for each user: POST /v1/subjects
Create a Tag for each user you want discoverable: POST /v1/tags with {"tag": "alice", "subjectId": "..."}
IDaaS records alice@walletapp as the globally unique qualified address
Other applications discover your users via GET /v1/tags/alice@walletapp
Payments are routed to alice@walletapp — your internal tag system is unaffected

Tags that are not onboarded are simply not discoverable via IDaaS. This is intentional — you control which users participate in the cross-platform network.

Address resolution behaviour

What you send	Behaviour
`alice@walletapp`	Looks up by qualified address — fast, unambiguous, always recommended
`alice`	Looks up by bare local name — succeeds only if exactly one application has a tag named `alice`; returns 409 Conflict with the list of available qualified addresses if more than one app does

Example: sending a payment to a user on another app

POST /v1/transactions
Authorization: Bearer <WalletApp token>
Content-Type: application/json

{
  "senderTag": "alice@walletapp",
  "receiverTag": "bob@shopapp",
  "amount": 500.00,
  "currency": "NGN"
}

POST /v1/transactions
Authorization: Bearer <WalletApp token>
Content-Type: application/json

{
  "senderTag": "alice",
  "receiverTag": "bob",
  "amount": 500.00,
  "currency": "NGN"
}

The second form works only when alice is unique on the platform and bob is unique on the platform. If either is ambiguous, IDaaS returns 409 and lists the qualified addresses to use.

`appHandle` rules

Rule	Detail
Length	3–30 characters
Characters	Lowercase letters, digits, hyphens — no spaces or special characters
Position	Must not start or end with a hyphen
Uniqueness	Must be globally unique across all applications
Immutability	Cannot be changed after registration. Changing it would break all published qualified addresses.

20. Tag Federation

Federation links a tag to an identity on an external identity provider (e.g. “alice on WalletApp is the same person as alice@github.com”). This is for advanced cross-platform identity scenarios.

POST /v1/tags/alice/federation
Authorization: Bearer <token>
Content-Type: application/json

{
  "provider": "github",
  "externalIdentifier": "alice-github-username"
}

IDaaS issues a challenge; your application must verify ownership on the external provider, then call:

POST /v1/federation/verify/{challenge}
Authorization: Bearer <token>

21. Error Handling

All IDaaS responses use a consistent ApiResponse<T> envelope:

{
  "success": false,
  "message": "Validation failed",
  "errorCode": "IDAAS-VALID-2001",
  "errors": ["amount must be greater than 0", "currency is required"],
  "timestamp": "2026-03-27T11:45:12.772Z"
}

errorCode is the stable machine-readable identifier (for example IDAAS-AUTH-1002). Client applications should branch handling logic by errorCode, not by free-text message.

Complete error code catalog

All IDaaS errors are returned with a stable error code in the errorCode field. Client applications should parse and branch on this code rather than free-text messages, enabling reliable structured error handling.

Authentication & Authorization (1000–1999)

Code	HTTP	Message	Cause	Resolution
`IDAAS-AUTH-1001`	401	Authentication required	Missing/invalid `Authorization` header	Provide Bearer token: `Authorization: Bearer <token>`
`IDAAS-AUTH-1002`	401	Invalid JWT	Token is malformed, expired, or has invalid signature	Re-authenticate via `POST /v1/auth/token`
`IDAAS-AUTH-1003`	401	Token has been revoked	Application was deactivated after token issuance	Re-authenticate with active application credentials
`IDAAS-AUTH-1004`	401	Authentication failed	Client ID/secret mismatch, malformed Basic auth	Verify credentials and application is active
`IDAAS-AUTH-1005`	401	Application not found	Application in JWT subject does not exist	Verify application ID and registration status
`IDAAS-AUTH-1006`	403	Access denied	Authenticated but unauthorized for this operation	Use correct role/credentials for operation
`IDAAS-AUTH-1007`	403	Transaction is not addressed to the calling application	Receiver attempting to act on sender’s transaction	Use credentials of the receiving application
`IDAAS-AUTH-1008`	403	Identity link is not associated with the calling application	Application does not own this resource	Use credentials of the owning application

Validation Errors (2000–2999)

Code	HTTP	Message	Cause	Resolution
`IDAAS-VALID-2001`	400	Validation failed	Field-level validation errors (required fields, format, length, etc.)	Fix request payload per `errors` list and retry
`IDAAS-VALID-2002`	400	keyword is required	Search endpoint called without `keyword` query param	Provide non-empty `keyword` parameter
`IDAAS-VALID-2003`	400	keyword must be at least 2 characters	Search keyword is too short	Use `keyword` with ≥ 2 characters
`IDAAS-VALID-2004`	415	Unsupported media type	`Content-Type` not `application/json`, or JWE payload misformatted	Send JSON with `Content-Type: application/json`; for JWE set `Content-Encryption: JWE`
`IDAAS-VALID-2005`	400	Decryption failed	JWE payload could not be decrypted or is malformed	Verify encryption key and payload format

Resource Not Found (3000–3999)

Code	HTTP	Message	Cause	Resolution
`IDAAS-RES-3001`	404	Application not found	Application UUID does not exist	Verify application UUID; register if needed
`IDAAS-RES-3002`	404	Subject not found	Subject UUID does not exist in calling application	Verify subject ID; create via `POST /v1/subjects` if needed
`IDAAS-RES-3003`	404	Subject not found with external ID	Subject with given external ID does not exist	Verify external ID; create subject if needed
`IDAAS-RES-3004`	404	Tag not found	Tag (qualified address or bare name) cannot be resolved	Verify tag exists; use qualified address `tag@appHandle` if bare name is ambiguous
`IDAAS-RES-3005`	404	Claim not found	Claim UUID does not exist	Verify claim ID
`IDAAS-RES-3006`	404	Claim not found with consent token	Consent token is invalid or expired	Request a new claim to get fresh consent token
`IDAAS-RES-3007`	404	IdentityLink not found	Identity link UUID does not exist or was revoked	Verify identity link ID
`IDAAS-RES-3008`	404	IdentityLink not found with challenge token	Challenge token is invalid, expired, or already used	Request new federated identity challenge
`IDAAS-RES-3009`	404	FederatedIdentity not found	No federated identity exists for this tag	Create federated identity via `POST /v1/identities/federate`
`IDAAS-RES-3010`	404	Transaction not found	Transaction reference does not exist	Verify transaction reference
`IDAAS-RES-3011`	404	ApplicationWallet not found	Application wallet not auto-provisioned (rare)	Contact support; wallet should auto-create on first transaction
`IDAAS-RES-3012`	404	Resource not found	Invalid endpoint path	Verify endpoint path matches API documentation

Resource Conflicts (4000–4999)

Code	HTTP	Message	Cause	Resolution
`IDAAS-CONF-4001`	409	Tag already exists	Tag with this qualified address already exists globally	Use different tag name in your application
`IDAAS-CONF-4002`	409	Your application already has a tag with this name	Tag string already exists in your application	Use different tag name or reuse existing
`IDAAS-CONF-4003`	409	Subject already exists with this external ID	Subject with this external ID already exists in app	Use unique external ID or fetch existing subject
`IDAAS-CONF-4004`	409	Subject already has an active claim on this tag	Subject is already linked to tag via active claim	Revoke existing claim if you need to re-link
`IDAAS-CONF-4005`	409	A pending claim for this subject/tag already exists	Pending consent request for this subject/tag in progress	Wait for pending claim to be approved/denied or revoke it

Invalid State / Business Logic (5000–5999)

Code	HTTP	Message	Cause	Resolution
`IDAAS-STATE-5001`	422	Cannot claim a disabled tag	Attempting to claim a tag with `status = DISABLED`	Enable tag via `PATCH /v1/tags/{tag}/enable` or use active tag
`IDAAS-STATE-5002`	422	Subject does not belong to the calling application	Subject is owned by a different application	Use a subject owned by your application
`IDAAS-STATE-5003`	422	Consent token has expired	Consent token is past expiration (default: 48 hours)	Request new claim for fresh consent token
`IDAAS-STATE-5004`	422	Challenge is no longer valid	Identity link challenge in terminal state (USED, DENIED, EXPIRED)	Request new federated identity challenge
`IDAAS-STATE-5005`	422	Only ACTIVE or PENDING claims can be revoked	Attempting to revoke claim in REVOKED or DENIED state	Only active/pending claims can be revoked
`IDAAS-STATE-5006`	422	New owner must have an active claim on this tag before transfer	Tag transfer target does not have active claim	Ensure new owner has approved claim before transferring
`IDAAS-STATE-5007`	409	Transaction is not in AWAITING_ACCEPTANCE state	Attempting to accept/reject transaction not pending	Check transaction status; only AWAITING_ACCEPTANCE can be acted on
`IDAAS-STATE-5008`	422	Transaction has expired	Attempting to accept transaction past expiration time	Transaction cannot be acted on; check with receiver if needed

Rate Limiting (6000–6999)

Code	HTTP	Message	Cause	Resolution
`IDAAS-RATE-6001`	429	Rate limit exceeded. Retry after [N] seconds.	Too many requests for this endpoint/IP/app	Use `Retry-After` header for exponential backoff; default limits: 10 req/min on `/v1/auth/token`, 60 req/min on `/v1/transactions`, 300 req/min on others

System / Internal Errors (9000–9999)

Code	HTTP	Message	Cause	Resolution
`IDAAS-SYS-9001`	500	An unexpected error occurred	Unhandled exception in application logic	Retry with exponential backoff; contact support if persistent
`IDAAS-SYS-9002`	400	JWE decryption error	JWE payload is malformed or uses wrong encryption parameters	Verify encryption key and payload format

Error Code Categories

Category	Code Range	Description
AUTH	1000–1999	Authentication & Authorization failures
VALID	2000–2999	Request validation & bad input
RES	3000–3999	Resource not found / lookup failures
CONF	4000–4999	Resource conflicts & duplicates
STATE	5000–5999	Invalid state transitions & business logic
RATE	6000–6999	Rate limiting & throttling
SYS	9000–9999	System/Internal errors

Total: 41 documented error codes – all error responses include errorCode and message.

HTTP status codes

Code	Meaning	Action
`200` / `201`	Success	Process normally
`400`	Validation error	Fix request body; check `message` for field details
`401`	Missing or invalid token	Re-authenticate with `POST /v1/auth/token`
`403`	Forbidden — wrong application	Verify you’re using the correct token for this operation
`404`	Resource not found	Check the reference/ID
`409`	Conflict — duplicate or invalid state	e.g. tag already exists, transaction already completed
`429`	Rate limit exceeded	Back off and retry with exponential delay
`500`	Server error	Retry with back-off; contact IDaaS support if persistent

Validation error example

{
  "success": false,
  "message": "Validation failed",
  "errorCode": "IDAAS-VALID-2001",
  "errors": [
    "amount must be greater than zero",
    "senderTag is required"
  ],
  "timestamp": "2026-03-27T11:45:12.772Z"
}

22. API Reference Summary

Base path for all endpoints: /api/v1
All protected endpoints require: Authorization: Bearer <token>

Applications & Authentication

Method	Path	Auth	Description
`POST`	`/v1/applications`	Public	Register application — `appHandle` required; secrets returned once
`GET`	`/v1/applications`	Bearer	List all applications
`GET`	`/v1/applications/{id}`	Bearer	Get application by UUID (includes `appHandle`)
`PATCH`	`/v1/applications/{id}/deactivate`	Bearer	Deactivate application + blacklist tokens
`POST`	`/v1/auth/token`	Public	Exchange credentials for JWT (rate: 10/min/IP)
`POST`	`/v1/applications/keys/rotate`	Bearer	Rotate EC keypair — new private key returned once
`POST`	`/v1/applications/webhook-secret/rotate`	Bearer	Rotate webhook signing secret — new secret returned once

Encryption Key Management

Method	Path	Auth	Description
`GET`	`/v1/keys/idaas`	Public	IDaaS public key (JWK + Base64 DER)

Subjects

Method	Path	Auth	Description
`POST`	`/v1/subjects`	Bearer	Create a subject (user)
`GET`	`/v1/subjects`	Bearer	List all subjects for calling app
`GET`	`/v1/subjects/{id}`	Bearer	Get subject by UUID
`GET`	`/v1/subjects/{id}/tags`	Bearer	List tags owned by a subject

Method	Path	Auth	Description
`POST`	`/v1/tags`	Bearer	Create a tag (qualified address `localTag@appHandle` derived automatically)
`GET`	`/v1/tags`	Bearer	List tags for calling app
`GET`	`/v1/tags/{tag}`	Public	Resolve tag by bare name or qualified address `tag@appHandle` (cached 30 s; 409 if bare name is ambiguous)
`PATCH`	`/v1/tags/{tag}/disable`	Bearer	Disable a tag
`POST`	`/v1/tags/{tag}/transfer`	Bearer	Transfer tag ownership
`POST`	`/v1/tags/{tag}/claims`	Bearer	Request a cross-app claim
`GET`	`/v1/tags/{tag}/claims`	Bearer	List claims on a tag
`POST`	`/v1/tags/{tag}/federation`	Bearer	Initiate federation
`GET`	`/v1/tags/{tag}/federation`	Bearer	Get federation info

Transactions

Method	Path	Auth	Description
`POST`	`/v1/transactions`	Bearer	Initiate payment; `senderTag`/`receiverTag` accept bare name or qualified address (rate: 60/min/app)
`GET`	`/v1/transactions/{reference}`	Bearer	Get transaction + webhook delivery status
`GET`	`/v1/transactions/sent`	Bearer	Paginated sent transactions
`GET`	`/v1/transactions/received`	Bearer	Paginated received transactions
`GET`	`/v1/transactions/pending`	Bearer	Paginated acceptance queue
`POST`	`/v1/transactions/{reference}/accept`	Bearer	Accept (receiver app only)
`POST`	`/v1/transactions/{reference}/reject`	Bearer	Reject (receiver app only)

Wallet & Ledger

Method	Path	Auth	Description
`POST`	`/v1/wallet`	Bearer	Provision wallet (idempotent)
`GET`	`/v1/wallet`	Bearer	Get wallet balance
`GET`	`/v1/wallet/statement`	Bearer	Paginated ledger statement

Settlement

Method	Path	Auth	Description
`GET`	`/v1/settlement`	Bearer	List settlement batches (paginated)
`GET`	`/v1/settlement/{id}`	Bearer	Get batch by UUID
`GET`	`/v1/settlement/date/{date}`	Bearer	Get batch by date (YYYY-MM-DD)
`POST`	`/v1/settlement/run`	Bearer	Manually trigger settlement

Webhooks

Method	Path	Auth	Description
`GET`	`/v1/transactions/{reference}/webhooks`	Bearer	All webhook records for a transaction
`GET`	`/v1/transactions/{reference}/webhooks/receiver`	Bearer	RECEIVER webhook record
`GET`	`/v1/transactions/{reference}/webhooks/sender`	Bearer	SENDER webhook record
`GET`	`/v1/webhooks/{id}`	Bearer	Single webhook record by UUID
`GET`	`/v1/webhooks/failed`	Bearer	All FAILED webhooks for calling app

Method	Path	Auth	Description
`GET`	`/v1/consent/{token}`	Public	View consent request details
`POST`	`/v1/consent/{token}/approve`	Public	Approve claim
`POST`	`/v1/consent/{token}/deny`	Public	Deny claim

Claims

Method	Path	Auth	Description
`POST`	`/v1/claims/{id}/revoke`	Bearer	Revoke an active claim

Federation

Method	Path	Auth	Description
`POST`	`/v1/federation/verify/{challenge}`	Bearer	Verify federation challenge

Actuator

Path	Auth	Description
`/actuator/health`	Public	Health check (DB + Redis)
`/actuator/info`	Public	App info

23. Integration Flows — Sequence Diagrams

Flow A: Two-App Payment (Happy Path)

App A (sender)           IDaaS                    App B (receiver)
──────────────           ─────                    ────────────────

─── Onboarding ──────────────────────────────────────────────────

POST /v1/applications ──► Register App A (appHandle="walletapp")
                    ◄──  clientId, clientSecret, webhookSecret, keys

POST /v1/auth/token ──►  Issue JWT
                    ◄──  Bearer token (1 h)

POST /v1/subjects ────►  Create subject (Alice)
POST /v1/tags ────────►  Create tag "alice" → qualified: alice@walletapp
POST /v1/wallet ──────►  Provision wallet (idempotent)

                                           POST /v1/applications ──► Register App B (appHandle="shopapp")
                                                               ◄──  credentials, keys
                                           POST /v1/auth/token ──►  Issue JWT
                                           POST /v1/subjects ────►  Create subject (Bob)
                                           POST /v1/tags ────────►  Create tag "bob" → qualified: bob@shopapp
                                           POST /v1/wallet ──────►  Provision wallet

─── Payment ─────────────────────────────────────────────────────

POST /v1/transactions ──► Validate alice@walletapp ∈ App A ✓
(senderTag=alice@walletapp, Validate bob@shopapp exists ✓
 receiverTag=bob@shopapp,   Create txn (AWAITING_ACCEPTANCE)
 amount=500)                Persist RECEIVER webhook row
                    ◄──   TXN-xxx (AWAITING_ACCEPTANCE)
                           │
                           │ Kafka async
                           ▼
                    POST /idaas/webhook ───────────────────────►
                    {event: TRANSACTION_INITIATED,               200 OK
                     X-IDaaS-Signature: v0=...,            ◄────
                     transaction: {ref, senderTag: alice@walletapp,
                                   receiverTag: bob@shopapp, amount, ...}}
                                                           Verify signature ✓
                                                           Check business logic ✓
                                                           POST /v1/transactions/TXN-xxx/accept
                                                    ◄────  (App B's Bearer token)
                           Debit App A wallet
                           Credit App B wallet
                           Write 2 LedgerEntry rows
                           txn.status = COMPLETED
                           Persist SENDER webhook row
                    ◄──────────────────────────────────────────  COMPLETED
                           │
                           │ Kafka async
                           ▼
                    POST App A callbackUrl ──────────────────►
                    {event: TRANSACTION_COMPLETED,              200 OK
                     X-IDaaS-Signature: v0=...}           ◄────
App A: update your
internal order status ✓

Flow B: Transaction Rejected

App A sends TXN-yyy (amount=200)
         │
         ▼ IDaaS webhooks App B: TRANSACTION_INITIATED
                   │
                   ▼ App B reviews and decides to reject
         POST /v1/transactions/TXN-yyy/reject
         { "reason": "Service not available" }
                   │
                   ▼ IDaaS: txn.status = REJECTED
                     No wallet movement
                     Notify App A: TRANSACTION_REJECTED
                   │
                   ▼ App A callbackUrl
         { "event": "TRANSACTION_REJECTED",
           "transaction": { "reference": "TXN-yyy", ... } }

Flow C: Transaction Expired

App A sends TXN-zzz
         │
         ▼ IDaaS webhooks App B: TRANSACTION_INITIATED
         App B does not respond within 24 hours
                   │
                   ▼ IDaaS scheduled job (every 5 min)
                     Finds AWAITING_ACCEPTANCE txns past expiresAt
                     Sets txn.status = EXPIRED
                     No wallet movement
                     Notify App A: TRANSACTION_EXPIRED
                   │
                   ▼ App A callbackUrl
         { "event": "TRANSACTION_EXPIRED",
           "transaction": { "reference": "TXN-zzz", ... } }

Flow D: Encrypted Payment

App A (encryptionEnabled=true)         IDaaS
──────────────────────────────         ─────

GET /v1/keys/idaas ────────────────►
                   ◄────────────────  IDaaS public key JWK

Serialize request body to JSON
Encrypt with IDaaS public key (JWE)
POST /v1/transactions ─────────────►
  Headers:
    Content-Encryption: JWE
    Authorization: Bearer <token>
  Body: eyJ...JWE compact string...
                                      JweRequestDecryptionFilter:
                                        detects Content-Encryption: JWE
                                        decrypts with IDaaS private key
                                        passes plain JSON to controller
                   ◄────────────────  TXN reference (AWAITING_ACCEPTANCE)
                   │
                   │ Kafka async
                   ▼
                   JWE-encrypt payload with App B's EC public key
                   POST App B webhookUrl:
                     Content-Encryption: JWE
                     X-IDaaS-Signature: v0=...
                     Body: eyJ...JWE compact string...

                   App B:
                     Verify signature ✓
                     Detect Content-Encryption: JWE
                     Decrypt with own private key
                     Process plain JSON payload

​IDaaS — Integration Guide

​Table of Contents

​1. What IDaaS Is

​2. Core Concepts

​Application

​Subject

​Tag

​Transaction

​Wallet

​Webhook

​3. How the Platform Works End to End

​4. Quick-Start Checklist

​5. Step 1 - Register Your Application

​Request

​Response

​6. Step 2 - Authenticate (Get a Token)

​Request (form-encoded)

​Request (JSON body)

​Response

​Using the token

​Token refresh pattern

​7. Step 3 - Create Subjects and Tags

​7.1 Create a Subject

​7.2 Create a Tag

​7.3 Resolve Any Tag (Public, Cached)

​8. Step 4 - Initiate a Payment

​Response

​What happens next

​9. Step 5 - Receive and Handle Webhooks

​9.1 RECEIVER Webhook — TRANSACTION_INITIATED

​9.2 SENDER Callback — Outcome Notification

​9.3 Webhook Endpoint Implementation Checklist

​10. Step 6 - Accept or Reject a Transaction

​Accept

​Reject

​Error responses for accept/reject

​11. Step 7 - Monitor Webhooks and Delivery

​Check delivery status for a transaction

​Webhook delivery statuses

​Find all failed webhooks for your app

​12. Step 8 - Wallet and Ledger

​Provision wallet (call on startup)

​Get current balance

​Get ledger statement (paginated)

​13. Step 9 - Settlement

​Get today’s settlement (after 23:59 UTC)

​Manual trigger (operational use)

​14. Payload Encryption (JWE)

​Algorithm

​14.1 Encrypting Requests Sent TO IDaaS

​14.2 Decrypting Webhooks Received FROM IDaaS

​14.3 Key Rotation

​14.4 Webhook Secret Rotation

​15. Webhook Signature Verification

​Signature algorithm

​Verification (pseudo-code)

​Implementation examples

​16. Idempotency

​17. Rate Limiting

​18. Cross-App Tag Claims and Consent

​18.1 Request a Claim

​18.2 Consent Approval Flow

​18.3 After Approval

​19. Namespaced Tags — Onboarding Existing Tag Systems

​The problem

​How it works

​What stays the same for the host app

​Address resolution behaviour

​Example: sending a payment to a user on another app

​appHandle rules

​20. Tag Federation

​21. Error Handling

​Complete error code catalog

​Authentication & Authorization (1000–1999)

​Validation Errors (2000–2999)

​Resource Not Found (3000–3999)

​Resource Conflicts (4000–4999)

​Invalid State / Business Logic (5000–5999)

​Rate Limiting (6000–6999)

​System / Internal Errors (9000–9999)

IDaaS — Integration Guide

Table of Contents

1. What IDaaS Is

2. Core Concepts

Application

Subject

Tag

Transaction

Wallet

Webhook

3. How the Platform Works End to End

4. Quick-Start Checklist

5. Step 1 - Register Your Application

Request

Response

6. Step 2 - Authenticate (Get a Token)

Request (form-encoded)

Request (JSON body)

Response

Using the token

Token refresh pattern

7. Step 3 - Create Subjects and Tags

7.1 Create a Subject

7.2 Create a Tag

7.3 Resolve Any Tag (Public, Cached)

8. Step 4 - Initiate a Payment

Response

What happens next

9. Step 5 - Receive and Handle Webhooks

9.1 RECEIVER Webhook — `TRANSACTION_INITIATED`

9.2 SENDER Callback — Outcome Notification

9.3 Webhook Endpoint Implementation Checklist

10. Step 6 - Accept or Reject a Transaction

Accept

Reject

Error responses for accept/reject

11. Step 7 - Monitor Webhooks and Delivery

Check delivery status for a transaction

Webhook delivery statuses

Find all failed webhooks for your app

12. Step 8 - Wallet and Ledger

Provision wallet (call on startup)

Get current balance

Get ledger statement (paginated)

13. Step 9 - Settlement

Get today’s settlement (after 23:59 UTC)

Manual trigger (operational use)

14. Payload Encryption (JWE)

Algorithm

14.1 Encrypting Requests Sent TO IDaaS

14.2 Decrypting Webhooks Received FROM IDaaS

14.3 Key Rotation

14.4 Webhook Secret Rotation

15. Webhook Signature Verification

Signature algorithm

Verification (pseudo-code)

Implementation examples

16. Idempotency

17. Rate Limiting

18. Cross-App Tag Claims and Consent

18.1 Request a Claim

18.2 Consent Approval Flow

18.3 After Approval

19. Namespaced Tags — Onboarding Existing Tag Systems

The problem

How it works

What stays the same for the host app

Address resolution behaviour

Example: sending a payment to a user on another app

`appHandle` rules

20. Tag Federation

21. Error Handling

Complete error code catalog

Authentication & Authorization (1000–1999)

Validation Errors (2000–2999)

Resource Not Found (3000–3999)

Resource Conflicts (4000–4999)

Invalid State / Business Logic (5000–5999)

Rate Limiting (6000–6999)

System / Internal Errors (9000–9999)